Credit Manager – Underwriting Secured Loans

Evaluating loan proposals for recommendations and approvals as per credit policy

Conducting regular functional training for business and credit teams across retail and LAP products

Managing peer-review processes in underwriting and field visit review sampling to ensure robust credit mechanisms

Publishing branch credit quality scores and red reports for senior management based on underwriting and credit intelligence inputs

Monitoring construction completion for fully disbursed retail loans to ensure regulatory compliance

Analyzing recurring customer defaults to identify portfolio stress indicators and advising senior management for policy adjustments

Following up on bounced collections through branch and business teams to ensure zero delinquency